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Jan 14, 2013
01/13
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that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was something richard cordray talked-about. this is from american hero joe. explain this issue for us. guest: this goes to the heart of the ability to repay the loan. we do not want people taking on loans that they cannot afford to repay. 43% is the outside level. if your mortgage debt sure other debt -- car loans, credit cards -- exceed 43% of your growth or pre-tax income, then that is too much. that is a loan that is becoming too onerous and you might have trouble repaying. anything below 43% is acceptable as a qualified mortgage. anything above that s
that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was...
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Jan 21, 2013
01/13
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we will change the environment in which politics is being conducted. we will elect many more women to public office. that is a very good thing for our country. >> out as a young mother. >> are you emily? >> hello. i'm elizabeth warren. [applause] about 25 years ago,i got a solicitation letter from a group of women who said they were getting organized to get more women elected for public office. i thought that is a powerful idea. about 25 years later. people are taught about how i should grow wings and fly. she said he should do this. i can show you how and i can promise if you do emily's list will be with you every step of the way. i am the senator from the commonwealth of massachusetts. >> i am claire mccaskill. emily's list is a pretty powerful idea. i am emily. [applause] mccaskill.re the energy in this room is amazing. i am taking it with me. i will draw upon it many times over the next six years when there are tough votes ahead. many people heard of todd akin before i was a senator or a statewide official. i was the daughter of the first woman eve
we will change the environment in which politics is being conducted. we will elect many more women to public office. that is a very good thing for our country. >> out as a young mother. >> are you emily? >> hello. i'm elizabeth warren. [applause] about 25 years ago,i got a solicitation letter from a group of women who said they were getting organized to get more women elected for public office. i thought that is a powerful idea. about 25 years later. people are taught about...
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Jan 17, 2013
01/13
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also mean by a more balanced growth, growth that is more compatible with the sustainability of our environment and the fight against climate change. what does the need for us? i remind you that, in 2013, the imf is stronger, better equipped financially. it has certainly refined some of its tools. we'll continue to strengthen our surveillance, especially on spillover effects and on the financial sector. we will continue to strengthen our support for the entire spectrum of members through lending, capacity building, training and technical assistance. in other words, we're not only serving the needs of a selected group of companies -- a group of countries, but the entire membership. when you look at the world and see where our teams are, where there is building and technical assistance in programs, we are all over the map. and we will continue to push ahead with the important and not complete reform of " and governance. we are in three stages, two are completed. we are certainly short of a few members, one of which is obviously a key member. that is all everyone into open bar conference with. i w
also mean by a more balanced growth, growth that is more compatible with the sustainability of our environment and the fight against climate change. what does the need for us? i remind you that, in 2013, the imf is stronger, better equipped financially. it has certainly refined some of its tools. we'll continue to strengthen our surveillance, especially on spillover effects and on the financial sector. we will continue to strengthen our support for the entire spectrum of members through...
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Jan 18, 2013
01/13
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throwing money at their program does not create an academic environment. host: what would have created that environment? guest: a focus on reading, writing, mathematics. host: how much control did you have as a teacher to help those kids? gue caller: absolutely none, there were more administrators. none of them were involved with anyone -- any meaning -- anything meaningful after academic. guest: let me rephrase the caller's statement. one of the items that the panels have looked at is the question of autonomy. when schools are given more freedom to make decisions about their own budget and hiring and firing of teachers, is that correlate with higher achievement? indeed, it does appear to be correlated with that. that is something we need to do more research on and dig into the international date it deeper. the idea that schools should be more autonomous and not overregulated, i think the caller is probably correct on that. guest: when we were discussing poverty, the point was in general, higher levels of parlors -- poverty are correlated with lower levels
throwing money at their program does not create an academic environment. host: what would have created that environment? guest: a focus on reading, writing, mathematics. host: how much control did you have as a teacher to help those kids? gue caller: absolutely none, there were more administrators. none of them were involved with anyone -- any meaning -- anything meaningful after academic. guest: let me rephrase the caller's statement. one of the items that the panels have looked at is the...
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Jan 15, 2013
01/13
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the national council for science and the environment hosted for rum. the head of fema will discuss hurricane katrina, the ongoing drought and earthquake in japan. that is on c-span 3 at 830 eastern. then the brookings institution event on innovation and the economy. >> in light of the postponement of the inauguration thehugo cha -- the inauguration of hugo chavez. this is just over an hour. >> a reminder to turn off your cell phones or anything that beeps. we appreciate that very much. well, everybody, good morning. it sounds like church almost. pretty good. [laughter] we are very pleased that you have chosen to join us on a great day here in washington. we hope the conversation will be more lively in here than the weather outside. thank you for taking some time to join us today. ambassadors, congressman, knowledgeable observers all, the quality of the audience is a very knowledgeable and experienced group that have followed venezuela for some time. so you have a very good group of folks that you're talking to. so you have to be on your best behavior.
the national council for science and the environment hosted for rum. the head of fema will discuss hurricane katrina, the ongoing drought and earthquake in japan. that is on c-span 3 at 830 eastern. then the brookings institution event on innovation and the economy. >> in light of the postponement of the inauguration thehugo cha -- the inauguration of hugo chavez. this is just over an hour. >> a reminder to turn off your cell phones or anything that beeps. we appreciate that very...
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Jan 14, 2013
01/13
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that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was something richard cordray talked-about. this is from american hero joe. explain this issue for us. guest: this goes to the heart of the ability to repay the loan. we do not want people taking on loans that they cannot afford to repay. 43% is the outside level. if your mortgage debt sure other debt -- car loans, credit cards -- exceed 43% of your growth or pre-tax income, then that is too much. that is a loan that is becoming too onerous and you might have trouble repaying. anything below 43% is acceptable as a qualified mortgage. anything above that s
that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was...
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Jan 18, 2013
01/13
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for the environment? for climate? for science? for technology? we are getting the government. this is the hard truth. what is going to happen in two months is to solidify this. nobody is speaking out for the government. we're talking of protecting the few entitlements -- that is the rearguard action. do not kill everything. but we'll squeeze into nothing. you are absolutely right -- the top cannot pay. they have been given every way to get their money out tax-free. it is trillions of dollars that have been lost, in addition to what has been wasted. [applause] >> it is about to get fun. if i can get some quick responses -- i want to come to you. jeffrey sachs said a moment ago -- there is a bipartisan consensus that the port chester not matter. they end up being more and more invisible -- the port just do not matter. they end up being more and more invisible. talk about a guy like in johnson who in doing what he did make it clear that he knew he was writing off the south for the next 30 years of pushing the programs he pushed, the war on poverty, the civil rights act. let me as
for the environment? for climate? for science? for technology? we are getting the government. this is the hard truth. what is going to happen in two months is to solidify this. nobody is speaking out for the government. we're talking of protecting the few entitlements -- that is the rearguard action. do not kill everything. but we'll squeeze into nothing. you are absolutely right -- the top cannot pay. they have been given every way to get their money out tax-free. it is trillions of dollars...
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Jan 13, 2013
01/13
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[video clip] >> we are all products of our experience and environment. i have been tempered by the experience about war. what war means, the consequences, who has to fight it. all of that experience is part of me and how i look at policy, how i look at our foreign policy and military policy, how i judge consequences, how the world sees us, their trust in our purpose in power. no question much of the questioning i have done about iraq and was tempered by the experience in vietnam. whenever i will ever do in my life -- whatever i will do in my life, those experiences shaped me, just like anyone who has gone through war. those experiences shape you very much. it makes you less inclined to jump into war. it is easy to get into war, not very easy to get out, as evidenced by the johnson tapes. you need to think through these things. diplomacy is critically important, especially in the complicated world we live in today. i think something else is important here and a lesson we learned from vietnam. what is going to be very important for america is not to isolat
[video clip] >> we are all products of our experience and environment. i have been tempered by the experience about war. what war means, the consequences, who has to fight it. all of that experience is part of me and how i look at policy, how i look at our foreign policy and military policy, how i judge consequences, how the world sees us, their trust in our purpose in power. no question much of the questioning i have done about iraq and was tempered by the experience in vietnam. whenever...
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Jan 18, 2013
01/13
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the uncertain environment that was prevalent here, it is adding to some of those concerns. what their tax rates are going to be. what areas the government will get back on spending, the default position is for people to wait. they tried to commit with investment project. >> [inaudible] we have seen a stabilization. as it hit the bottom? deal have thoughts on that? >> we talked about that and everything that surprised everybody, we have not seen a lot of people re-enter the labour force and wait for participation rates to trend down. there is stabilization we are starting to see, we might see a little more reentry in the labour force and job creation. but there are varying opinions on that. maybe they have taken earlier. the unemployment rate could be pushed higher. >> [inaudible] >> next on c-span, a former law eliminating poverty. the former senator's home discuss the federal budget and the debt. economic forecasts from the american bankers association. eric holder will be speaking at the u.s. conference of mayors tomorrow about gun violence. this will be cahow a new agend
the uncertain environment that was prevalent here, it is adding to some of those concerns. what their tax rates are going to be. what areas the government will get back on spending, the default position is for people to wait. they tried to commit with investment project. >> [inaudible] we have seen a stabilization. as it hit the bottom? deal have thoughts on that? >> we talked about that and everything that surprised everybody, we have not seen a lot of people re-enter the labour...
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Jan 17, 2013
01/13
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we could say after the fact -- through via social services, unsafe environment, is that really getting at the particular issue? i don't think it does. and sometimes they to be a little creative to do it. in regard to domestic violence, absolutely. and here's what we could do with that. first of all -- forgive me for saying the obvious, but nics, you know, is a wonderful thing. i'm sorry. ncic. well, they're both wonderful things. anything with a serial number goes in there, too, like a toaster, if you have one. it's not necessarily a go-to database to get where we want to get. i think you are right on. they should go in the ncis system. what we need is funding for crisis teams because a lot of times, even on guns, and often is the case, are not involved but someone needs some help, and an officer rolls up at 3:00 in the morning and they are very limited in the resources that are available to them. if there is funding for properly trained crisis intervention people, there we go. now we got something. now it is the mental health e.r., if you will and the officer doesn't have to try and b
we could say after the fact -- through via social services, unsafe environment, is that really getting at the particular issue? i don't think it does. and sometimes they to be a little creative to do it. in regard to domestic violence, absolutely. and here's what we could do with that. first of all -- forgive me for saying the obvious, but nics, you know, is a wonderful thing. i'm sorry. ncic. well, they're both wonderful things. anything with a serial number goes in there, too, like a toaster,...
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Jan 17, 2013
01/13
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we can say after the fact, social services, an unsafe environment, but that does not get at the issue. they have to be creative sometimes to do that. in regards to domestic violence, absolutely. here is what we can do. forgive me for saying the obvious, ncic is a wonderful thing. anything with a serial number goes in there, like a toaster. it is not necessarily a go to database to get what we want to get at. i think you are right on. those people should go into the next system right away. what we need is funding for crisis teams. a lot of times, someone needs help and an officer rolls up at 3:00 in the morning and they are very limited in the resources available to them. if there is funding for properly trained crisis intervention people, there we go. now we have got something. now it is the mental health e r and the offices do not have to try to be creative or drive away because there is nothing they can do. was there another question? >> i wanted to add one thing. i am not an expert in mental health. i just want to say in any comprehensive package, including appropriate funding for
we can say after the fact, social services, an unsafe environment, but that does not get at the issue. they have to be creative sometimes to do that. in regards to domestic violence, absolutely. here is what we can do. forgive me for saying the obvious, ncic is a wonderful thing. anything with a serial number goes in there, like a toaster. it is not necessarily a go to database to get what we want to get at. i think you are right on. those people should go into the next system right away. what...
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Jan 19, 2013
01/13
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balance that thing that makes america so great which is the rule of law and having order and creating an environment where people can thrive because there is that order. but also understanding we live in a globe where we should be the leaders and have to interact. that's where our children's future are is being a part of this global economy. that's not something we can easily avoid, it's there. caller: i'm a city worker and right now i see that new york services for the mentally ill are being sabotaged because of the union and pensions. i just want to know why pensions are being blamed for everything. i play -- pay into my own pension. host: do you have a question or is that a statement? caller: why are pensions being blamed for the budget problems. when you pay into your -- host: thanks for the call. guest: it is just a reality. when you look at budgets and obligations there is no doubt there are some areas and some places where we've over extended our obligations. we have promised too much. you have people who have made commitments and cities and companies have made commitments that they cannot me
balance that thing that makes america so great which is the rule of law and having order and creating an environment where people can thrive because there is that order. but also understanding we live in a globe where we should be the leaders and have to interact. that's where our children's future are is being a part of this global economy. that's not something we can easily avoid, it's there. caller: i'm a city worker and right now i see that new york services for the mentally ill are being...